1

132nd

AGENDA

STATE LEVEL BANKERS' COMMITTEE

MADHYA PRADESH

132nd

MEETING 27.06.2008

AGENDA

ITEM NO.1: CONFIRMATION OF THE MINUTES OF THE 131st MEETING OF STATE

LEVEL BANKERS' COMMITTEE HELD ON 25.03.2008

Minutes of 131st

meeting of State Level Bankers' Committee, Madhya Pradesh held on the

25th March 2008 was circulated vide Convenor Bank's letter No. ZO/SLBC/07-08/07 Dated.

07.04.2008. No amendments/ comments have been received from any member. The house

may, therefore, confirm the circulated minutes.

ITEM NO. 2: FOLLOW-UP ACTION ON DECISIONS OF EARLIER MEETING

Action Point 1: Doubling Agriculture Credit during 2007-08

1.1 Progress in doubling flow of Agri. credit up to March 08

The agency wise progress in doubling the flow of credit to agriculture sector during 2003-04,

2004-05, 2005-06, 2006-07 & 2007-08 (up to March 08) in Madhya Pradesh State is

summarised below:

(Amt. in Crores)

Agency 2003-04

Base Year 2004-05 2005-06 2006-07 2007-08

T A T A T A T A T A

Comm. Bank 1084 1419 2055 2184 2567 3616 3440 4856 4247 5501

RRBs 353 463 553 607 701 1125 1008 1307 1285 1675

Co-Op.Banks 1687 1452 1998 1869 2672 2213 3147 2719 3373 3436

Total 3124 3334 4606 4660 5940 6954 7595 8882 8905 10612

T- Target, A- Achievement

Highlights of performance:

Banks have surpassed the target by making disbursement of Rs. 10612 crores against the

target of Rs.8905 crores with an achievement index of 119%. The Commercial Banks, RRBs

and Cooperative Banks have disbursed Rs.5501, Rs.1675 & Rs.3436 crores registering an

achievement index of 129% 130% & 102% respectively.

The performance of banks in the State is given in Annexure I, II and Table 11 Page No.39-

40&75-78

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AGENDA

1.2 Financing to New Farmers

The agency wise new farmers financed are as follows:-

(Amt. in crores)

AGENCY No. of

R+SU

branches

New farmers financed

up to Mar. 08

New Farmers

per Branch up

to Mar. 08 No of a/c Amount

Comm. Banks 1673 182038 2049 109

RRBs 983 79775 673 81

Co-Operative Banks 1157 201324 297 174

Total 3813 463137 3019 121

Government of India norms is to finance 100 new farmers per Rural \ Semi Urban branch per

year. Against this Banks have extended credit to 121 new farmers per branch this year.

The commercial banks have extended Rs. 2049 crores to 182038 new farmers through 1673

rural and semi urban branches, which comes to 109 new farmers per branch. The RRBs have

extended financial support of Rs.673 crores to 79775 new farmers. The Cooperative banks

have disbursed 297 crores to 201324 new farmers.

Bank wise data is given in Annexure III on Page No--41----.

1.3 New investment projects financed

18594 new investment projects have been financed by 1673 Rural and semi urban branches

of commercial bank, which comes to 11 new projects financed per Branch.

The agency wise new Investment Projects Financed are as follows:

Agency Up to March.

08

New Investment Projects per

Branch up to March. 08 Comm. Banks 1673 18594 11

RRBs 983 11445 12

Co-op. 1157 - 0

Total 3813 30039 11

Government of India norms is to finance 2 to 3 projects per branch / per year.

Bank wise data is given in Annexure IV Page No.-42--.

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AGENDA

1.4 Financing to Agri clinic/Agri business - Banks have financed 3 agri. graduates to the tune

of Rs.11 lacs for setting up of agri clinics and agri. business centers during the current

financial year. Banks have financed 74 cases since inception of the scheme.

Bank wise data is given in annexure III Page No-41--.

1.5 Kisan Credit Card –

Banks have issued 437271 Kisan Credit cards of which 183093 are by commercial banks,

58181 by RRB’s and 195997 cards by cooperative banks during the year ended March 2008.

Agency No of cards

issued upto

March 08) (No)

No. of cards issued

since inception (No)

Commercial Banks 183093 1126705

Regional rural Banks 58181 417374

Co-operative Banks 195997 3012553

Total 437271 4556632

Bank wise data furnished in Annexure II Page No & Table No.19 Page No--40-&113-114.

1.6 Relief measures provided to farmers

(Amt. in crores)

During 2007-08 up to March 08

Item No. of A/c Amount

Farmers in distress 369 3.29

Farmers in Arrears 3343 65.73

Accounts settled under OTS 14592 56.28

Tenent Farmer Financed 117 0.51

Data furnished in Annexure IV-V page no.-42-43-

Action Point 2: KVIC Margin Money Scheme:

As per decision taken in the 127th SLBC meeting, bank were advised to provide certificate

for the evidence of establishment of unit based on inspection report when financial assistance

was given. This was required in the KVIB cases which were financed 3-4 years back but

4

132nd

AGENDA

Board did not release subsidy as units were not traceable / functioning at the time of

inspection by board officials.

Central Bank of India had submitted two cases to KVIC for sanction and release of margin

money subsidy. KVIC vide their Boards office Mumbai letter No.

xzkjksldk@Hkksiky@e-iz-@2007&08@477 fnukad 09-01-08, has

informed that as per their rules and guidelines, it is unable to release the margin money in

both the cases. KVIB, vide their letter S.No. ek-e-;ks-@2007&08@1320

Hkksiky] fnukad 6@13 ebZ 2008 addressed to Secretary, GOI, Village

Industries Department has again expressed their inability to release the margin money in both

the cases.

As per decision taken in the last meeting, D.I.F. has written a letter KVIC requesting him to

release the pending margin money of 2 cases of Central Bank of India.

KVIC/KVIB is requested to apprise the position.

Action Point 3: IMPLEMENTATION OF 100% COVERAGE OF KCCS:

3a) : Progress of Issuance of KCC’s in all the districts of M.P.

As decided in 131ST

SLBC meeting DIF has to write a letter to all Collectors\Revenue

officials to prepare the list of remaining eligible farmers , and after getting the list of

eligible farmers banks will provide the Kisan Credit Card to each eligible farmer.

Convenor, vide their letter ZO/SLBC/08-09/18 dated 22.04.08, requested to State Level

Heads of all Banks to expedite the matter. A sub committee meeting was convened on

05.06.2008 and matter was thoroughly discussed. Minutes of meeting have been circulated to

all concerns.

As per the reports received from LDMs/ Banks, out of 48 districts, in 17 districts, the list of

farmers has been distributed among bank branches after marking from Co-Operatives. In 16

Districts, Revenue Department could furnish partial list of farmers and work of identifying

the eligible farmers is in process at different stages viz with Apex Bank or with commercial

banks. In remaining 15 districts the progress is very slow. However, the matter was further

discussed thread bare with all the concerned banks and DIF for early implementation of the

5

132nd

AGENDA

scheme within specific time span.

DIF vide letter 1200 dated 09.06.08 has informed that the Principal Secretary, Finance

directed Collectors of 15 districts to expedite the work of issuance of KCCs according to

Road-map and inform progress by 20th June, 2008 positively.

The house may review the progress.

3.b). Issuance of KCC to Kotwars---

The Honourable Chief Minister, of M.P. made an announcement for issuance of Kisan Credit

Cards on the Seva Bhoomi allotted to Kotwars.

Convenor SLBC vide their letter No. ZO/SLBC/2008-09/18 dated 22.04.08 requested State

Level Heads of all Banks for issuance of KCCs to Kotwars. As per information received from

various LDMs so far 4264 kotwars have been provided Kisan Credit Cards from various

Banks.

Action Point 4. FINANCIAL INCLUSION IN 35 DISTRICTS OF MADHYA PRADESH

The performance under financial inclusion by way of opening no frill accounts and issuance

of General Credit Card is under progress. In the 129th SLBC meeting chaired by the Hon’ble

Minister of State for finance, Govt. of India, Mr. P.K. Bansal, 35 districts were identified and

allocated to different Banks for 100% FINANCIAL INCLUSION. The details are as under:

S.NO. BANK DISTRICT’

1 Allahabad Bank Satna, Jabalpur

2 Bank Of Baroda Sagar, Jhabua

3 Bank Of India Khandwa, Khargone, Burhanpur

4 Bank Of Maharashtra Balaghat, Betul

5 Central Bank Of India Hoshangabad, Raisen, Mandla , Ratlam

6 Canara Bank Shahdol, Gwalior

7 Corporation Bank Ujjain

8 Dena Bank Dhar

9 Indian Overseas Bank Bhopal

10 Oriental Bank Of Com. Morena, Bhind

11 Punjab & Sindh Bank Ashok Nagar

12 Punjab National Bank Datia, Sehore

13 State Bank Of India Harda,Chhatarpur, Damoh

14 State Bank Of Indore Vidisha, Neemuch, Shivpuri

15 Syndicate Bank Guna

16 Union Bank Of India Sidhi, Rewa

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132nd

AGENDA

17 UCO Bank Narsinghpur, Sheopurkalan

18 Vijaya Bank Indore

Convenor SLBC, vide their letter No. ZO/SLBC/2008-09/18 dated 22.04.08, requested State

Level Heads of all Banks to instruct their branches to speedup the work of financial inclusion

and complete the same within stipulated time frame.

A meeting of sub-group was convened on 05.06.08 at Central Bank of India, Zonal Office

Bhopal to review the status of implementation of Financial Inclusion in 35 Districts. Of

Madhya Pradesh. Out of 38155 villages, 1854 villages have been covered under 100%

Financial Inclusion. Sub-group realised that progress is not up to the satisfactory level.

Banks have opened 15 lakh a/cs of NREGP Job Card holders and during discussion, it was

surfaced that reporting is not proper. Banks have assured to update after debt waiver and debt

relief work. RBI representative opined that work of Ratlam and Jhabua districts should be

completed first as these districts have already completed the task of issuance of 100% KCC.

In sub-group meeting it was decided that:

1. All the participating Banks, must take sincere efforts and complete the work at the

earliest.

2. Applicant should have job card for opening of NREGS a/cs.

IT ENABLED FINANCIAL INCLUSION PROGRAMME

In terms of the Reserve Bank of India policy guidelines, the IT enabled financial

inclusion in Madhya Pradesh using hand held device by issuing smart card and

mobile banking having interface with information technology is to be launched. A

meeting of sub-group was convened on 05.06.08 at Central Bank of India, Zonal

office to review the present status of implementation. The Bank-wise progress is as

follows:

1 Bank of India : work has been started, 500 cards have been issued and 1010

cards are in process.

2 State Bank of India: Vendors and Banking Correspondent have been

finalized. Work yet not started.

3 State Bank of Indore : Bank is on the verge of finalization of vendor and

Banking Correspondent shall be launching the project by middle of June 08.

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132nd

AGENDA

4 Union Bank of India : Approximately 2500 cards have been prepared and

ready for disbursement.

5 Central Bank of India : Bank has finalized the vendor and by the end of

June 08, will start the work for issuance of cards.

6 Narmada Malwa Gramin Bank : Bank is in the process of finalization of

vendor and Banking Correspondent.

7 APEX Bank : Yet to finalize the vendor.

8 AXIS Bank: It has started work in the slum area of Bhopal.

9 ICICI Bank : Bank has finalized the vendor and started the preparation of

cards.

Convenor requested all the participating Banks to give cognizance to this important

task.

Action Point 5

A. Settlement of SLR Bonds

An amount of Rs 53.18 crore is overdue in respect of MPEB bonds. Bank wise details are

given in Table No. 33 Page140--------

State Government is requested to settle the same.

B. Discounting of SIDBI / IDBI bills

A sum of Rs. 0.73 crore is due under Bills Rediscounting Scheme of IDBI / SIDBI.

Bank wise data is given in Table No. 33 Page-140-----

Action point NO. 6

LOW CD RATIO

Over all CD ratio in the State of Madhya Pradesh is satisfactory. As per RBI

directives a sub group meeting was conveyed on 05.06.08 to review the CD Ratio of

all the 48 districts in Madhya Pradesh. During the meeting present status was

discussed and CD Ratio of following 6 districts was found below 40% in the state of

M.P.

(Ratio in %age)

S.NO. NAME OF

DISTT

2005-06 2006-07 DEC.07 MARCH 08

1 Dindori 55.00 36.00 36.00 36.00

2 Anuppur 34.63 36.00 37.11 37.61

3 Umaria 30.57 29.70 31.10 31.10

4 Shahdol 36.31 29.93 33.76 32.69

5 Sidhi 13.98 20.38 34.89 34.89

6 Rewa 36.06 36.05 36.00 36.00

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132nd

AGENDA

Convenor SLBC requested the State Level Heads of the Banks having Lead Bank

responsibilities in above Districts to take suitable measures to increase the CD ratio

at par with other districts.

Action Point No. 7

Rural Development and Self Employment Training Institutes (RUDSETI)

As discussed in 131st SLBC, a sub group meeting was convened on 05.06.08 and it

was decided that all the state level heads of Lead Banks to start at least one RUDSETI

on pilot basis either at Divisional level or at least in one of their Lead District, State

Government will provide land / building on nominal lease rent for that purpose and it

was also decided that a formal request is to be made to Government of M.P. for

financial support.

House may discuss the issue.

Action Point 8: Drought Relief measures - Payment of input subsidy for Kharif

2001 & Kharif 2002

State Government has released an amount of Rs. 32 crores as input subsidy for Kharif

2001 & Kharif 2002 through the Convener Bank to commercial banks and RRBs.

SLBC vide letter ZO:SLBC:07-08/12 dated 30.04.2007 distributed the amount to all

the concerned state level heads with a request to adjust the amount in the

beneficiaries accounts and submit the information in prescribed format to

Convenor at the earliest so that consolidated information could be sent to State

Government through DIF. Details of Bank-wise distribution amount is as follows:

SNo Name of Bank Place Amt. Allahabad Bank Bhopal 2,88,21,675 1 Bank of India, Bhopal 8,07,37,294

2 Central Bank of India Bhopal/Raipur 8,38,34,370 3 Punjab National Bank Bhopal 1,27,05,845

4 State Bank of India Bhopal 4,66,19,985 5 State Bank of Indore Indore 2,73,73,165

6 Union Bank of India Bhopal 42,79,990

Total 28,43,72,324

Convenor SLBC has followed up the matter vide letters No. ZO/SLBC/07-08/305

dated 07.01.2008, ZO/SLBC/07-08./311 dated 14.01.2008 & 377 dated 26.02.2008,

9

132nd

AGENDA

No. 11 dated 21.04.08. Till date SLBC has received partial details. Concerned Banks

are once again requested to submit the information and return the unutilized amount

at the earliest to enable the Convenor to submit full details to D.I.F.

Action Point 9:

DROUGHT SITUATION IN M.P. - RELIEF MEASURES BY THE BANKS TO

PERSONS AFFECTED BY NATURAL CALAMITIES.

As per notification issued by Principal Secretary, Revenue, vide their letter No. file F-

21/R-C/St.(Drought) 2007 dated 06.11.07, F-21/R-C/St.(Drought) 2007/1269 dated

16.11.07 & Single file F-21/R-C/St.(Drought) 2007/1290 dated 24.11.07, 39 Districts

comprising of 164 Tehsils have been declared drought affected based on observation

at a glance Annawari / Najri Aakalan.

All the banks were advised to submit the progress report made in this regard to

Convenor SLBC on quarterly basis for onward transmission to RBI. We have not yet

received the progress report on prescribed format from any bank. The banks are

requested to submit the same.

Action Point No. 10

DEBT WAIVER AND RELIEF MEASURES ANNOUNCED IN THE UNION

BUDGET 2008-09 BY HON’BLE UNION FINANCE MINISTER:

Consequent upon the relief measures announced by Hon’ble Finance Minister,

Government of India in the budget proposals 2008-09 presented in the Parliament, a

meeting of Conveners of all the SLBC was convened by the Joint Secretary

(Banking) Ministry of Finance, Government of India at New Delhi on 27.05.08 on the

subject of Agriculture Debt. Waiver Scheme. Mr. P.C. Tiwari, Convenor, SLBC,

Madhya Pradesh and Deputy General Manager, Central Bank of India attended the

meeting. Many issues pertaining to the scheme were discussed threadbare. The

Secretary (Finance), Government of India made it clear that being a time bound

programme, the implementing agencies i.e. the Banking fraternity should start the

work immediately and ensure completion of task as scheduled. He also stressed that

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132nd

AGENDA

for smooth and timely implementation of scheme, Steering Committee meeting of

SLBC should be convened immediately.

Accordingly two meetings of the Steering Committee of SLBC consisting of all the

State level Heads of Banks in M.P. with nodal agencies i.e. RBI and NABARD and

Directorate of Institutional Finance, Government of Madhya Pradesh and Apex Bank

were convened on 4th

June, 2008 and 19th

June 2008 to ensure smooth

implementation of the Scheme. The First meeting on 4th

June 2008 was also attended

by the Agriculture Production Commissioner, Secretaries in Rural Development,

Agriculture and Cooperative Departments. These meetings were chaired by Shri

Ashok Das, Principal Secretary (Finance), Government of Madhya Pradesh. A power

point presentation by the Convenor SLBC was made in the 1st meeting and queries as

well as frequently asked question were replied by CGM, NABARD and Convenor,

SLBC.

RBI vide circular No. RBI/2007-08/344, RPCD/No. PLFS.BC.74/05.04.02/2007-08

dated 30.05.08 has circulated detailed operative instructions on the scheme to all the

Banks.

As per para 4 (c) of said circular, Branches have to report daily position to the

controlling office of the Banks. After amalgamation, it is to be reported by the Banks

to SLBC Convenor on Annexure III on every Monday. The SLBC Convenor will

consolidate and report the position by the next day i.e. Tuesday to the Regional Office

of RBI on Annexure III B. It is again requested to all Banks to submit the information

on the prescribed format, by every Monday positively so that Convenor may submit

the consolidated information to RBI Bhopal.

Action Point No. 11

FOREST DEPTT.(FOREST SECTOR & LOK VANIKI)

In the last meeting, Shri R.N. Saxena, Aditional.Principal Chief Conservator of

Forest, has provided detailed information of foresty sector, and Lok Vaniki particular.

11

132nd

AGENDA

In this context it was decided that scheme should be discussed with NABARD and

SLBC Convenor for immediate implementation. NABARD will prepare Model-wise

quantum of Finance and will constitute a committee for taking expeditious action in

this matter.

NABARD may deliberate.

ITEM NO.3: PERFORMANCE OF BANKING SECTOR IN MADHYA PRADESH AT A

GLANCE

(Rs. In Crores)

No Parameters March

2006

March

2007

March

2008

Variation over March 2007

Actual Percentage

1. No. of Bank

Branches

4706 4779 4949 170 -

2. Total Deposits 61468 73229 89604 16375 22.36

3. Total Advances 39050 49106 60057 10951 22.30

4. Investments 2805 3830 5249 1419 37.04

5. Total Adv. +

Investments

41855 52937 65307 12370 23.36

6. Priority Sector

Advances

23952 29648 37128 7480 25.22

7. Agricultural Adv. 13950 17362 22441 5079 29.25

8. SSI (MSME)

Advances

2057 3449 5773 2324 67.38

9. Tertiary Sector 7945 8837 8915 78 0.88

10. Advances to Direct

Agr.

12928 16259 18733 2474 15.21

11. Advances to

Weaker Sec

4602 6322 7423 1101 17.41

12. Advances to DRI 4 4 7 3 75

3.1 Branch expansion

Total number of branches operating in the State is 4949 as on 31st March 08.

Bank wise position is given in Table No. 1 Page 45-46--.

There is net increase of 170 bank branches during current financial year.

3.2 Deposit growth

The aggregate deposits of the bank in Madhya Pradesh increased by Rs. 16375 from

Rs..73229 as of March 07 to Rs. 89604 crores as of March 08 thus posting a growth of

22.36% as against an increase of Rs.11761 crores or 19.13% during the corresponding period

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AGENDA

last year.

Bank wise position is given in Table No. 2 & 3 Page 47-50-------.

3.3 Credit Expansion

The gross credit in the State is surged by 10951 crores from Rs49106 crores as of March 07

to Rs.60057 crores as of March 08 thus exhibiting a growth of 22.30 % against the increase

of Rs.10056 crores or 25.75% during the corresponding period of previous year.

Bank wise position is given in Table No. 2 & 3 Page 47-50

3.4 Credit Deposit Ratio

During the period under review overall CD Ratio of banks for the State of Madhya Pradesh

remains at 67%.

Bank wise position is given in Table No.2 & 3 Page 47-50

3.5 Priority Sector Advances

During the period under review, the Priority Sector Advances of Banks in Madhya Pradesh

grew by Rs. 7480 crores from Rs29648 crores as of March 07 to Rs. 37128 crores as of

March 08, thus recording a growth of 25.22 % as against an increase of Rs.5696 crores or

23.78% during the corresponding period of the previous year. The share of incremental

Priority Sector Advances to incremental advances during the period under review is 68.30 %.

Bank wise position is given in Table No. 5 Page53-54

3.6 Agriculture Advances

The Agriculture Advances in the State during the review period has witnessed an increase of

Rs. 5079 crores from Rs.17362 crores as of March 07 to Rs.22441 crores as of March 08 thus

showing a growth of 29.25 % as against an increase of Rs.3412 crores or 24.46 % during the

same period last year. The point-to-point share of incremental agriculture advances to

incremental priority sector advances works to67.98%.

Bank wise position is given in Table No. 5 Page 53-54

3.7 MSME Advances

The advances to MSME sector during the period under review has registered an increase of

Rs.2324 crores from Rs.3449 crores as of March 07 to Rs 5773 crores as of March 08 thus

showing a growth of 67.38 % as against an increase of Rs1392 crores or 67.67% increase

during the corresponding period of the previous year.

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AGENDA

Bank wise position is given in Table No. 5 Page -53-54--------.

3.8 Advances to Weaker Section

During the period under review the advances to weaker section is increased by Rs. 1101

crores from Rs 6322 crores as of March 07 to Rs.7423 crores as of March 08 thus showing a

growth of 17.41 %.

Bank wise position is given in Table No. 7 Page 57-58

ACHIEVEMENT VIS-A-VIS NATIONAL GOALS

No Parameters

(RATIO)

Goal

%

March 06

%

March 07

%

March 08

%

Variation

over March

07

A) C D Ratio - 3 67 67 -

B) C D Ratio (Rural + S/U) 60 70 70 71 +1

C) Credit + Inv. To Deposits 68 72 73 +1

D) PS Adv to Total Credit 40 61 60 62 +2

(E) Agri. To Total Credit 18 36 35 38 +3

F) Weaker Section to Total

Adv.

10 12 13 12 -1

G) DRI Advances to Total

Adv.

1 0.01 0.01 0.01 -

Bank wise position is given in Table No.6 Page 55-56

Highlights

1. The ratio of Priority Sector Advances to total advances as of March 08 stands at 62%

as against National Goal of 40%.

2. The share of agricultural advances to total advances, as of March 08 is 38% against

the National Goal of 18%.

3. The advance to weaker section constitutes 12% of the total advances as against the

National Goal of 10%.

4. The CD Ratio in rural & semi urban area is above the National Goal of 60% by

recording a level of 71% as of March 08.

5. 5 During the period under review , the DRI advances increased by Rs.3 crore from

Rs. 4 crore as of Mar 07 to Rs. 7 Crores as of March 08.

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AGENDA

ITEM NO. 4: RECOVERY

4.1 NPA POSITION

(Amt. in Crores)

Scheme Sub-Std. Doubtful Loss Total

NPA

Total

Advances

% of NPA to

Total Adv.

Agriculture 415 455 83 953 22441 4

SSI 84 168 75 327 5773 6

OPS 202 329 98 629 8915 7

PMRY 85 104 35 224 868 26

SGSY (Group) 18 12 4 34 393 9

SGSY (Ind) 18 28 7 53 260 20

KVIC 8 7 2 17 194 9

SJSRY 15 15 5 35 148 24

Pratistha 3 4 2 9 35 26

Antyavyasayi 6 5 2 13 66 20

Bank wise position is given in Table No.8 to 8 (iv) Page 59-68-------.

The recovery under PMRY, SGSY (individuals), SJSRY and Prathishta is very poor. In the

last SLBC meeting, State Govt. was requested to issue necessary instructions to the

departments implementing the scheme to cooperate with the banks for recovery of bank

dues but it is observed that only MPSCFDC has issued instructions to field level

functionaries. All other departmental heads are again requested to issue the necessary

instructions.

4.2 Year Wise Position of Written Off Accounts

(Amt. In Crores)

Agency Up to 2004-05 2005-06 2006-07 2007-08 Total Up to Mar.08

No Amt No Amt No Amt No Amt NO Amt.

CBs 311056 1065 57858 204 71541 401 43266 313 483721 1983

RRBs 190488 95 21847 12 21900 16 17867 16 252102 140

Co- Op. 73468 32 2192 4 1402 1 1167 1 78229 37

Total 575012 1192 81897 220 94843 418 62300 330 814052 2160

Bank wise position is given in Table No.9 Page 69-70

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AGENDA

4.3 Implementation of MP Public Money Recovery Act /BRISC Scheme:

(Amt Rs. in Crores)

Item No. Amt

Recovery cases pending at the beginning of the quarter 930448 1665

Cases filed during the quarter 24136 106

Total RRC 954584 1771

RRC disposed of during the quarter 16166 52

RRC withdrawn during the quarter 1073 5

RRC pending at the end of the quarter 937345 1714

Of which pending up to 1 year 144865 446

1 to 3 years 214222 382

3 to 5 years 241675 368

5 to 12 years 238230 308

Above 12 years 98353 210

Bank wise data is given in Table No. 10 & 10(i) Page 71-74

4.4 Implementation of BRISC

BRISC Scheme is being implanted to effectively recover bank overdues Under The Madhya

Pradesh Lok Dhan (Shodhya Rashiyon Ki Vasuli) Adhiniyam 1987. This has been the most

successful bank recovery scheme. In the initial year of its ineption, i.e. 1995-96, only Rs. 3.4

crores were recovered that rose to 120 crores in 2006-07. Recovery position is gaining

momentum. Hon’ble Finance Minister applauded the Scheme in various SLBC meetings that

he attended. Data received from districts in the DIF show that field level revenue

functionaries are realizing recoveries against RRCs lodged by all banks, irrespective of the

fact that the bank is a formal member or not. However, some banks are neither depositing

requisite amount of “statutory processing fee @ 3.0% under the Act” nor “incentive amount

@ 2.5% under the Scheme”. There are serious audit objections over not depositing above

amount. It is, therefore, proposed by BRISC cell that all the banking institutions operating in

the State be considered as member of the Scheme to get active assistance of government

revenue machinery and avail the benefit of the Scheme, provided that:

i) They will abide by the provisions of “The Madhya Pradesh Lok Dhanb (Shodhya

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AGENDA

Rashiyon Ki Vasuli) Adhiniyam 1987”. “The Madhya Pradesh Lok Dhan (Shodhya

Rashiyon Ki Vasuli) Niyam 1988” and the BRISC Rules frame time to time.

ii) While Bank is approaching to the Collector for issurance of RRC for the amount to

be recovered from the borrower, the RRC should be for the amount recoverable from

the borrower plus 3% process fee only. No other costs should be added in the RRC in

any case.

iii) On recovery of the amount, bank will deposit BRISC incentive amount @ 2.5% of

the amount recovered against RRC with the District BRISC Cell in accordance with

the provision of the BRISC Scheme. If the BRISC incentive amount is not deposited

within 30 days with the District BRISC Cell, such banks shall be liable to pay penalty

@ 5% p.m. on default amount.

iv) Banks shall ensure that BRISC incentive amount payable to District BRISC Cell is to

be debited to banks’ P&L A/C as expenditure of that bank. Such amount shall not be

recovered/ recoverable from the borrower in any case.

v) Banks shall ensure that their all branches located in the State of Madhya Pradesh

would extend credit facilities and achieve targets laid down by SLBC/DLCC to

priority sectors under all government sponsored programmes.

vi) They would participate in SLBC/DLCC/BLBC meeting regularly.

vii) They would supply requisite statistics to the Convener of SLBC & DLCC for

inclusion in the agenda of SLBC & DLCC meetings.

viii) They would participate substantially in State Government market borrowing

programmes.

4.5 IMPLEMENTATION OF SARFAESI ACT.

Collector, Chhindwara, in his letter to Central Bureau of Investigation has informed that

Oriental Bank of Commerce officials in the district is not cooperating with the district

administration and deliberately negligating Court orders.

Copy of the letter is enclosed for perusal of banking fraternity(Annexure B Page 34-38).

House may deliberate over the issue.

17

132nd

AGENDA

ITEM NO. 5: IMPLEMENTATION OF ANNUAL CREDIT PLAN 2007-08

(Amt.. in crores)

Sector Year 2005-06 Year 2006-07 Year 2007-08(up to

Mar.08)

T A % T A % T A %

Agri.Total

Crop Loan

Term Loan

5940

4153

1788

6954

5085

1869

117

115

105

7596

5172

2424

8882

6792

2090

117

131

86

8905

6379

2526

10612

8029

2583

119

126

102

MSME 537 525 98 684 684 69 875 1265 145

Others 1809 1958 108 2268 3042 134 2840 2260 80

TOTAL 8256 9437 114 10548 12397 118 12620 14137 112

114% 118% 112%

T-Target (for the year) A-Achievement (Up to March 08)

AGENCYWISE BREAKUP OF ANNUAL CREDIT PLAN 07-08 ( UP TO Mar. 08)

(Amt in Crores)

Agriculture MSME OPS Total Adv. PS

T A T A T A T A %A

Comm. 4246 5501 770 1195 2502 1909 7518 8605 115

RRBs 1285 1675 44 70 163 210 1492 1955 131

Co. op. 3374 3436 61 0 175 141 3610 3577 99

TOTAL 8905 10612 875 1265 2840 2260 12620 14137 112

T-Target A-Achievement

Bank wise data is given in Table No. 11, Page No75-78

The House may review the progress.

5.1 Doubling of Flow of Credit to SMEs in 5 Years

Finance to SME Sector:

( Amt.in crore)

Item Base

figure as

on 31.3.05

Fresh Adv. from

1.4.07 to 31.03.08

Total Advances

31.03.08

No. Amt. No. Bal. O/S

Small & Micro Enterprises

2618

15258 575 83503 3115

Small & Micro Services 19060 691 185658 2658

Advances to Medium

Enterprises *

461 258 3475 801

Bank wise data is given in Table No.34, Page 141-142

18

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AGENDA

TEM NO. 6: IMPLEMENTATION OF GOVERNMENT SPONSORED PROGRAMMES

6.1 Prime Minister's Rojgar Yojana - P.Y 2007-2008

(Amt. In Crores)

Particulars Unit 2006-07 2007-08

Target No. 32000 15800

Cases Submitted No. 67200 42049

Cases Sanctioned No. 33993 18571

Cases Disbursed No. 25107 13898

Amount Disbursed Amt. 143.51 87.71

% Cases San. to Target % 106.23 117.5

%Cases Dis. To Target % 78 88

Bank wise and district wise data is given in Table no. 13, Page 82-87

RBI vide their letter RPCD/PLNFS.BC.NO.54/09.04.01/2007-2008. Dated 01.04.2008

addressed to the Chairman & Managing Director of All Scheduled Commercial Banks

(Excluding RRBs) informed that -

“In order to enable completion of disbursement against the sanctioned cases of the

programme year 2007-08, a one time extension of the cut off date for lapsing of sanction and

completion of disbursement for the cases of 2007-08 up to 31ST

May, 2008 has been granted

by Ministry of Micro, Small & Medium Enterprises, Govt. of India, subject to the following

conditions:

1. No fresh application will be entertained or sanctioned after 31.03.2008.

2. Extension of cut-off date granted up to 31.05.2008 would be utilised for

disbursement of loans in respect of cases already sanctioned upto 31.03.2008.

Govt. of India have taken a policy decision to abolish Pradhan Mantri Rojgar Yojna being

implemented through Industries Deptt. And self employment scheme of KVIB from

1.04.2008. Instead of this scheme there will be Prime Minister Employment Generation

Programme, the detailed guidelines of which are yet to be issued by Govt. of India. This is for

information of Banks.

19

132nd

AGENDA

6.2 Performance under SGSY 2007-08

(Amt. In Crores)

Particulars 2006-07 2007-08

Target (Financial) 200

250.51

Sanctioned

Individual

Group

Total

206.43 26.55

179.89

206.43

264.82 46.06

218.76

264.82

Disbursed

Individual

Group

Total

23.47

168.64

192.11

39.32

205.37

244.69

% age Sanction to target

% age Disbursed to target

103.21

96.05

105.71

97.67

District wise and Bank wise data is available on Table No. 14, Page88-91

Bank wise Credit Mobilization is as follows:

100% or more Indian Bank, State Bank of Bikaner and Jaipur, Union Bank of

India, Syndicate Bank, R.R.B., Bank OF Maharashtra, Bank of

India, Canara Bank, Central Bank of India, State Bank of Indore,

Oriental Bank of Commerce, State Bank of India.

80 to 99% Punjab National Bank, Bank of Baroda, Dena Bank, Allahabad

Bank,

Less than 80% Punjab and Sindh Bank, United Commercial Bank,

Less than 60% Bank of Rajasthan, Central- co-operative Bank,

Less than 40% Land Development Bank.

1% Other Banks.

Revolving Fund

Up to March 2008, 70142 groups were given revolving fund out of which 45177, SHGs have

received cash credit limit to the tune of 85.22 crores.

Development Commissioner has given the following points for discussion:

1. More and More participation from Banks in the training programme of SGSY.

20

132nd

AGENDA

2. Rural Development Department is ready to give assistance like land acquirement and

other infrastructure needed for the establishment of the RUDSETI / Model Training

Institute. Proposals from Banks are required.

3. Encouragement from banks for promoting marketing of the SHGs products in

association with Zilla Panchayat.

4. Block level Camps for reducing pendency and disposal of cases and entertain quality

cases from the SHGs only.

5. Block level assessment and listing of the banks whose performance is 0 percentage

and from 0% to 25% and the list should be sent to Ministry of Rural Development for

further necessary action.

6. The rate of interest is not uniform. It varies from 8.5% to 13%, it should be minimum

and also uniform in rural area for SGSY schemes.

7. The return of subsidy from the banks is heavy in some districts resulting in heavy

deduction of the allocation by MORD in the Districts. Many banks are yet to

reconcile the previous years’ subsidy given to the branches in their districts. The

previous year’s subsidy reconciliation in all branches should have been completed by

31.03.2008.

8. The pending cases for disbursement during the financial year 07-08 should be

disposed by 30th June 2008 positively.

6.3 Swarna Jayanti Shahari Rojgar Yojana (SJSRY)

(Amt in Crores )

Particulars USEP DWCUA

2006-07 Mar.07-08 2006-07 Mar.07-08

Tar. Physical 8645 24012 403 570

Financial Subsidy

Loan

Total

6

35

41

12.01

64.03

76.04

5

4

9

7.12

6.41

13.53

Ach. Physical 8153 17855 193 275

Financial Subsidy

Loan

Total

4

23

27

9.76

54.43

64.19

2

2

4

2.67

2.42

5.09

% Ach. Physical 94 81.28 48 42.98

Financial % 66 68.25 39 37.62

Bank wise progress is given in Table No. 15, Page 92-95

In certain districts, the poor progress is due to the non-availability of subsidy during

the second half of the financial year.

21

132nd

AGENDA

6.4 (A) Scheme for Liberation and Rehabilitation of Scavengers (SLRS)

(B) Antyavayasayee Swarojgar Yojana

The data received from Deptt. is as under:

(Amt. in Crores)

Year 2007-08

(A) SRMS (B) Antyavaysayee Total (A+B)

06-07 07-08 06-07 07-08 06.07 07-08

Target 5500 3237 8120 10000 13620 13237

Sponsored 4105 2584 17985 19743 22090 22327

Sanctioned No. 1221 1432 8273 9211 9494 10643

Disbursed No

Amt

1221 755 8273 6975 9494 7730

4.20 1.51 30 19.89 34.20 21.40

Rej/ Retd 350 316 3468 3423 3818 3739

Pending 2534 836 6244 7109 8778 7945

Bank wise progress is given in Table No. 16 & 16(i), Page96-98

ITEM NO 7: IMPLEMENTATION OF SPECIAL FOCUS PROGRAMME

7.1 Self Help Groups (Under NABARD Scheme)

Progress from April 07 to March 08

(Amt. In Crores )

A HSS A/cs opened 38549

B Amount deposited in HSS A/c 18.24

C Out of (A) A/c credit linked 5340

D Amount disbursed 41.07

E Balance Outstanding (No.)

(Amt.)

45889

225.60

F NPA Amount 6

G % age NPA 3

Bank wise data is given in Table No. 18, Page No111-12

As per NABARD, the position of credit linkage of the groups is very poor in the State,

despite a large number of SHGs formed by various departments of Govt. NGOs, Banks etc.

22

132nd

AGENDA

90% groups have been formed by the Govt. Departments, it is proposed that the State

Government, in consultation with NABARD/ Banks and good NGOs, may evolve a suitable

strategy for consolidation, strengthening and financing of groups.

7.2 KVIC Margin Money Scheme.

The progress achieved in implementing Margin Money Scheme of KVIC up to

31.03.2008 is given below:-

(Amt. in Lacs)

Particulars KVIC* KVIB Total

No Amt No Amt No Amt

Target of Margin Money - 8.70 869 9.46 869 15.86

Cases Sponsored 545 1312 1566 1962 2111 2019

Cases Sanctioned 204 526 661 881 865 904

Cases Disbursed 204 526 531 710 735 733

*Margin Money

Bank wise & District wise progress is given in Table No.17 Page No99-110

7.3 Housing Finance

(a) Direct Housing Finance

As per Reserve Bank of India guidelines each bank should attend a share of housing finance

at 3% of the incremental deposit of the previous year.

Accordingly it was estimated that around Rs.353 crores should be extended to the housing

sector from the banking system in Madhya Pradesh during the year 2007-08

As per information received from banks total number of 21728 cases have been disbursed

during April, 07 to March 08 involving an amount of Rs. 739.74 crores.

Bank wise data is given in Table No. 20, Page 115-116 for review of house.

23

132nd

AGENDA

(b) Golden Jubilee Rural Housing Finance Scheme

During the year 2007-08 financial assistance of Rs.17.84 crores has been provided under the

scheme to 925 beneficiaries. The poor progress is because of non-availability of title.

Bank wise Data is available in Table No. 21, Page 117-18 for review of house.

7.4 Financial assistance to Minority Communities

(Amt. in Crores)

Community

Disbursement

(April 07 to March08)

Balance Outstanding

March 08

No. Amt. No. Amt.

Muslim 11533 111.52 137274 1103.43

Sikh 1516 25.24 25424 491.85

Christian 1631 11.98 10338 78.58

Zoroastrian 5 0.06 570 3.82

Buddhist 561 0.80 3330 14.69

Jain 8665 145.12 59990 800.01

Total 23911 294.72 236926 2492.38

Bank wise position is given in Table No. 22 & 23, Page-119-122- for review of house.

7.5 Data on Minority communities in Bhopal

The information on the financial assistance given to minority communities in Bhopal district

as on 31.03.08. is as follows:

( Amt. In Crores )

Community March 2007 March 2008

No. Amt. No. Amt.

Muslim 13337 188.92 35702 640.63

Sikh 6184 98.09 11285 128.59

Christian 547 11.94 821 16.73

Zoroastrian - - - -

Buddhist 1674 14.01 2661 31.12

Jain - - - -

TOTAL 21742 312.96 50469 817.07

Total Advances 654940 5904.75 1089301 6877.54

%age to Total Advances 3.31 5.30 4.63 11.88

Bhopal is one among the 103 minority concentrated districts notified by the Govt. of India,

Ministry of Welfare, having at least 25% of minority population excluding States/UTs where

minorities are in majority viz., Jammu & Kashmir, Punjab, Meghalaya, Mizoram, Nagaland

and Lakshdeep).

24

132nd

AGENDA

Govt. has advised banks to identified potential centres and complete the survey for branch

expansion in the minority concentrated districts and submit the information to respective

Lead District Manager. As such banks are requested to send the following information to

Lead District Manager, Bank of India, Bhopal for onward transmission to Convenor SLBC

from the next quarter alongwith the data on financial assistance to minority communities.

1. Branches already opened in Bhopal district during the year 2006-07 & 2007-08.

2. Name of the centres identified where banks propose to open branches for the year 2008-09.

7.6 Financial Assistance to Schedule Caste /Schedule Tribe

(Amt. in Crores)

Item Schedule Caste Schedule Tribe

No. of A/cs Amt. No. of A/cs Amt.

App. Recd. 20812 124.98 15301 85.66

App. San. 19160 112.03 14616 80.77

App. Disb. 18761 101.21 14848 81.99

App. Rej/Ret. 1036 6.69 516 3.42

App. Pend. 616 6.26 169 1.47

Total Bal. O/S 395240 1593.44 254324 966.17

NPA 69724 273.04 47562 161.63

%age NPA 17.64 17.13 18.70 16.72

Bank-wise data is given in Table No. 24 & 25, Page-123-26

7.7 Swarojgar Credit Card (SCC)

The progress during 2007-08 under Swarojgar Credit card scheme is given below:

(Amt. in Crore)

Particulars Comm. Bk. RRBs Co-op BK Total

Annual Target (No.) -6541 -7135 -2920 -16596

No. of SCCs Issued 1626 3899 614 6139

Amount Disbursed 466 1088 300 1854

% Achievement 24.85 54.64 21.02 36.99

Bank wise progress is given in Table No.26 Page No127-28

The house may review the progress.

NABARD has reported that the submission of quarterly progress reports by the banks is

very tardy.Banks are therefore, requested to submit all the pending quaterly progress

reports upto the quarter ended March 2008 at the earliest. Banks are also requested to

ensure submission of the reports for the subsequent quarters by the 5th of the

following month of the quarter it relates to.

25

132nd

AGENDA

7.8 Artisan Credit Cards

As per information given by the Banks the target set for 2007-08 is 3360 against which the

Banks have issued 1221 cards. Total cards issued under the scheme since inception are 4395.

Bank wise position is given in Table No 27, Page 129-130-. Most of the banks have reported

Zero progress in the scheme.

The Directorate of Handloom, Government of Madhya Pradesh have identified following 14

handloom clusters in M.P.

S. No. Name of Cluster District

1 Varaseoni Balaghat

2 Sausar Chhindwara

3 Chanderi Ashoknagar

4 Maheshwar Khargone

5 Athaona Neemuch

6 Mandsaur Mandsaur

7 Sarangpur Rajgarh

8 Gwalior Gwalior

9 Astha Sehore

10 Bagh Dhar

11 Bhairavgarh Ujjain

12 Bhopal Bhopal

13 Hoshangabad Hoshangabad

14 Sidhi Sidhi

Deptt. has requested banks to provide financial assistance to five groups in each

cluster as such 70 groups will be benefited. Detailed guidelines of the schemes have

already been sent by NABARD head office to Chairmen of all RRBs vide their letter

no. PCD-POLICY (Weavers)/ H-714/A 7 (P)/2006-07 dt. 12.03.2007.

District functionaries have informed State Government that Banks are not taking

desired action in issuing Artisan Credit Card Scheme. The Scheme carries insurance

coverage. Still large numbers of proposals are being returned for one or the other

reasons. Banks are requested to implement the scheme successfully.

7.9 General Credit Card (GCC) Scheme.

As per information given by the Banks, the Banks have issued 10020 cards during the FY

2007-08 against the self set target of 12411-. Total cards issued under the scheme since

inceptions are 21728.

Bank wise position is given in Table No 27, Page 129-130.

26

132nd

AGENDA

7.10 Education Loan

Banks have sanctioned 11377 education loans amounting to Rs.248.67 crores during the

current financial year of which Rs. 42.56 crores have been sanctioned to 2075 girl students.

Bank wise position is given in Table No 28, Page131-132.

State Government have announced to sanction subsidy to legitimate girl child of

Class III & IV government employees. Copy of the orders issued in this regard is

appended for information and doing the needful by all banks.

7.11 Advances to Women beneficiaries

Advances to women beneficiaries are Rs. 3861crores which is 6.48 % of the total advances

against the stipulated target of 5%.

Bank wise data is given in Table No 29, Page 133-134

NABARD has come out with an amended scheme for extending financial support to RRBs

and cooperatives for creation and/or maintenance of “Women Development Cell” in the

Banks. The amended scheme provides for enhanced quantum of financial assistance to these

banks which would be linked to their performance under the Action Plan with strategies to be

adopted to increase the credit flow to women.

7.12 Progress under Horticulture Scheme

(Amt Rs in Crores)

Bank wise and district wise data is given in Table No. 30, Page 135-136

NHB Progress report:

(Amt in Crores)

Particulars Number Amount

LOI placed before Board 7915 -

LOI approved by Board 7363 -

No. of cases where subsidy released through NHB Bhopal:

Below Rs.10 lac 81 0.71

Above Rs 10 lac

TOTAL 81 0.71

Particulars Unit 2007-08

Cases Received No 573

Cases Sanctioned No 503

Cases Disbursed No 488

Amt 11.34

Cases Rejected No 35

Cases Pending No 35

Balance Outstanding No 3565

Amt 64.09

27

132nd

AGENDA

eeee n n n n lalalala ---- &0 8 &0 8 &0 8 &0 8 j k t Hk k "k k u hf r d k d k ;k ZU o ; uj k t Hk k "k k u hf r d k d k ;k ZU o ; uj k t Hk k "k k u hf r d k d k ;k ZU o ; uj k t Hk k "k k u hf r d k d k ;k ZU o ; u

e/;i zns' k e sa 5 4 cSd k sa esa ls d so y 4 0 c Sad k sa u sa j k t Hk k "k k u hf r d s d k ;k ZU o ;u

lacaf /k r f r ek gh vk ad M +s Hk sts gSaA lnL ;k sa l s v u qj k s/k gS f d o s , l-, y -ch- lh- d s

i zk : i esa vi sf { k r vk ad M s le ; l s Hk stu k lqf u f ' p r d j sa A l nu rk f y dk

la[ ;k 3 5 i st 1 4 3 esa nh x ;h f LFk f r d h leh{ k k d j sa A

ITEM NO.9: OTHER AGENDA ITEMS

9.1 SCHEME ON ARTIFICIAL RECHARGE OF GROUNDWATER

THROUGH DUG WELLS

The Govt. of India formulated the captioned scheme for implementation in 7 hard

rock states, viz. Andhra Pradesh, Gujarat, Karnataka, Madhya Pradesh, Maharashtra,

Rajasthan and Tamil Nadu. The Ministry of Water Resources, GOl on 04.01.2008 has

issued the operational guidelines for the captioned scheme, followed by revised

guidelines circulated on 28th

February 2008. Details are given in Annexure-A 28-29.

CUSTOMER SERVICE IN BANKS

Public representatives submitted a memorandum before Hon’ble State Human Right

Commissioner wherein some serious allegation has been made regarding banking

services provided by banks to their loanee customers. Hon’ble MP Human Right

Commission desired for appropriate action on the complaint. Copy of the

memorandum attached (Annexure-B Page 30-33) for deliberates and taking

appropriate redressed action.

ITEM NO. 10: ANY OTHER ISSUE WITH THE PERMISSION OF CHAIR

28

132nd

AGENDA

ANNEXURE – A

As per the guidelines, a State Level Steering Committee (SLSC) to ensure smooth

implementation of the Scheme and District Level Implementation and Monitoring

Committees (DLIMCs) to ensure effective implementation of the scheme at grass root

level are to be constituted Convener, State Level Banker’s Committee and the

representative of financing bank(s) are members of SLSC and DLIMC respectively.

The Nodal Department of the State Government will prepare the district wise scheme

reports incorporating the details of beneficiaries, action plan for Capacity Building

etc. On approval of the scheme / proposals by the DLIMCs and submission to

NABARD for release of funds through Nodal Department of State Government,

funds will be disbursed through a mechanism of directly crediting the subsidy to the

beneficiaries SB accounts through different commercial Banks/RRBs/Coop Banks,

etc.. NABARD will accordingly credit in the controlling office or Nodal Branch

identified by each bank for routing centrally sponsored subsidy, by a consolidated

cheque along with the list of beneficiaries with their a/c No. bank branch, village,

block and district for respective banks. Banks may, therefore, confirm their Nodal

Branch where NABARD will deposit consolidated cheque towards the subsidy

amount under above mentioned centrally sponsored scheme.

A list of categorisation of blocks in MP is enclosed.

CATEGORISATION OF BLOCKS IN MADHYA PRADESH

S.No Districts Semi-critical Critical Over-

exploited

1 Barwani 1. Rajpur 1. Parasmal

2 Bhopal 1. Phanda

3 Betul 1. Amla

4 Burhanpur 1. Burhanpur

5 Chhatarpur 1. Chhatarpur

6 Chhindwara 1. Chhindwara

7 Dewas 1. Dewas

29

132nd

AGENDA

2. Sonkutch

8 Dhar 1. Dharampuri 1.Badnawar

2.Dhar

3.Manawar

4.Nalcha

5.Tirla

9 Indore 1. Depalpur 1. Indore

2. Sanwer

10 Khargone 1 Khargone

2 Maheshwar

1. Barwaha

11 Khandwa 1 Chopan

12 Mandsaur 1. Mandsaur

2. Malahargarh

3. Sitamau

13 Neemuch 1 Jawad 1.

Neemuch

14 Ratlam 1 Sailana 1. Alote

2. Jaora

3. Piploda

4. Ratlam

15 Satna 1 Rampur

2 Baghalan

16 Sehore 1 Ashta

2 Sehore

17 Shajapur 1 Agar

2 Shajapur

1.Barod 1. Kalapipal

2.Mohan

Berodia

3. Nalkhera

4. Shujalpur

5.Susner

18. Ujjain 1.Tarana

2. Kachrod

1. Badnagar

2. Ghatia

3. Ujjain

No of Assessed Blocks Semi-critical Critical Over-exploited

312 19 5 24